Sounds like you've never commuted by bicycle before. I've seen people decked out in high-vis clothing carried away in ambulances or their bikes found under car wheels with their headlights and tail lights still on. But don't take my word for it[1], the actual studies themselves aren't very conclusive either[2].
The actual root cause is likely inattentive drivers, poor roads/infrastructure, and the all too common drivers' mentality that "bikes don't belong on the roads" many cyclists encounter on a regular, day-to-day basis when drivers feel justified in passing too close, cutting cyclists off, or turning into them.
[1] https://motorbikewriter.com/professor-debunks-hi-vis-clothin... [2] https://www.theguardian.com/environment/bike-blog/2013/jan/1...